Side-by-side · Q2 2026 data
FNB Bank, Inc. vs First Peoples Community Federal Credit Union
Credit union
First Peoples Community Federal Credit Union
Cumberland, Maryland · $100 million – $1 billion
Metric by metric
| Measure | FNB Bank, Inc. | First Peoples Community Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 56 | 86 (stronger) |
| Loan quality | 85 (stronger) | 82 |
| Earnings | 60 | 65 (stronger) |
| Funding & liquidity | 69 | 74 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 43rd | 78th |
| Total assets | $277.9M | $666.1M |
| Deposits / shares | $247.8M | $560.0M |
| Capital ratio | 10.60% | 13.61% (stronger) |
| Problem loans | 0.45% (stronger) | 0.53% |
| Net charge-offs | 0.23% | 0.15% (stronger) |
| Return on assets | 0.99% | 1.14% (stronger) |
| Loans ÷ deposits | 84.0% (stronger) | 86.1% |
| Uninsured deposits | 21.5% | 5.2% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.6% | 5.8% |
First Peoples Community Federal Credit Union has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), FNB Bank, Inc. leads on 2 and First Peoples Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.